Payday Loans in Mount Auburn, Iowa

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No payday loan companies in Mount Auburn, IA. Consider companies in other cities:

Company nameAddressZip codePhone number
Linn Area Credit Union 3375 7th Ave, Marion, IA 52302 +1 (319) 892 - 7300
J's Auto Body Shop See Super Center for Sales & Service 945 E Main St, Manchester, IA 52057 +1 (563) 822 - 1315
Peoples State Bank 116 W Main St, Ottumwa, IA 52501 +1 (844) 772 - 4692
EZPAWN 1626 5th Ave S, Fort Dodge, IA 50501 +1 (515) 576 - 5319
United Bank of Iowa 600 2nd St, Lohrville, IA 51453 +1 (712) 465 - 2715
Thrivent Financial-Lutherans 12580 Brentwood Ct, Peosta, IA 52068 +1 (563) 582 - 0781
Farm Bureau Financial Services: Will Miller 209 Centennial Dr STE B, Cherokee, IA 51012 +1 (712) 225 - 6451
Easy Cash Solutions 303 Lincoln Way, Ames, IA 50010 +1 (515) 233 - 3138
Thrivent Financial - Chris Harris 2 Hawkeye Dr, North Liberty, IA 52317 +1 (319) 626 - 4554
Thrivent Financial-Stensland/Truesdell/Fopma/Severson 619 Elm Ave 4, Story City, IA 50248 +1 (515) 733 - 0739

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mount Auburn, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Dubuque, IA, Payday Loan for Iowa City, IA, Payday Loans in Marion, IA, Payday Loans in Sioux City, IA, Payday Loans in Urbandale, IA, 24-Hour Loan in Waterloo, IA, Payday Loans in West Des Moines, IA and Payday Loans in Ames, IA. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Mount Auburn, IA.

Payday Loans Available in Mount Auburn, IA By The Following ZIP Codes:

52313

Are Payday Loans Legal In Mount Auburn, Iowa?

Loan Rates and Fees, Laws and Regulations in Iowa.

Iowa Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)337
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan Term31 days
Number of Rollovers Allowed0
Finance Charges$15 on the first $100 + >$10 on subsequent $100

Mount Auburn, IA payday loan calculator

Understanding Payday Loans in Mount Auburn, Iowa

If you’re in need of quick cash to cover an unexpected expense or get you through a difficult time, a payday loan may sound like an attractive option. But before taking out one of these short-term loans, it’s important to understand all the details, including the terms and conditions, the lender’s fees and, most importantly, the potential risks.

What are payday loans?

Payday loans are a type of short-term loan that typically range from $100-$500 and are due on the borrower’s next payday, usually within two to four weeks. These loans usually carry high-interest rates and fees and are marketed as a solution to an immediate financial need, such as a car repair or medical bill.

Are payday loans legal in Mount Auburn, Iowa?

Yes, payday loans are legal in Iowa. However, the state imposes a cap on the maximum amount of interest and fees that lenders can charge. Lenders are also required to be licensed in the state and follow certain regulations.

How do payday loans work?

To obtain a payday loan, the borrower must provide the lender with a post-dated check for the amount of the loan plus the lender’s fees. The lender then gives the borrower cash or deposits the funds into their bank account. When the loan is due, the lender cashes the post-dated check.

What are the risks of payday loans?

While payday loans may seem like a quick and easy solution to a financial problem, they often come with high-interest rates and fees that can be difficult to repay. If the borrower cannot repay the loan on time, they may be charged additional fees or have to take out another loan, resulting in a cycle of debt. In some cases, borrowers may even face legal action or garnished wages.

What are the alternatives to payday loans?

If you’re in need of quick cash, there are other options to consider, such as asking for a loan from a friend or family member, using a credit card, or applying for a personal loan from a bank or credit union. These options may have lower interest rates and fees and may offer more flexible repayment terms.

Interesting facts and statistics about payday loans in Mount Auburn, Iowa

– According to a report by the Iowa deputy attorney general’s office, the average interest rate on payday loans in Iowa is around 273%, with some lenders charging rates as high as 600%

– In Iowa, the average payday loan borrower takes out 12 loans per year

– Payday lenders in Iowa made over 613,000 loans in 2019, totaling over $254 million in loans

Apply Now

If you’re in need of a payday loan in Mount Auburn, Iowa, TheGuaranteedLoans can help connect you with potential lenders. Simply fill out our online application and we’ll match you with a lender that meets your needs. It’s important to remember that TheGuaranteedLoans is a connector service and not a direct lender. We don’t make credit decisions or charge fees. We’re committed to helping our customers get the financial assistance they need while protecting them from predatory lenders.

In conclusion, payday loans may be a tempting option when you need money quickly, but they come with high-interest rates and fees. Before taking out a payday loan, consider all the options available to you and make sure you understand the terms and risks involved. And if you do choose to take out a payday loan, be sure to work with a reputable lender who follows all state regulations.

F.A.Q.

What are the consequences of taking out multiple payday loans in Mount Auburn, Iowa?

Taking out multiple payday loans in Mount Auburn, Iowa can be financially risky and lead to a cycle of debt. If you are unable to repay your loans on time, the fees and interest can quickly add up, making it difficult to break the cycle.

Can I be sued for not paying back a payday loan in Mount Auburn, Iowa?

Yes, you can be sued for not paying back a payday loan in Mount Auburn, Iowa. If you default on your loan, the lender may file a lawsuit against you to recover the outstanding debt.